The best thing they can do is forgo significant earnings because they have to be more timid in the 10-15 years leading up to retirement. If they didn't have to fear massive bubble collapses, your average investor could likely earn an extra 30% on their retirement accounts.
OK, but that's been true for 400 years, and isn't actually a barrier to retirement. You've IMO correctly understood the rules of the game, and under those rules anyone can retire on his own wealth, needing only to invest enough of his after-tax pay every year. I've been living on half my after-tax pay for 15 years now, and in another 5 or so I'll have the option to retire (though continuing to work would certainly improve that standard of living). You don't need to be nearly so frugal as "half" if you have 30 years instead of 20.
Someone with mod points please mod this up - it's seemingly the only non-trolling post for this whole story. This is exactly the stuff we should be discussing here - agree or not with the conclusion, this is the rational topic at hand.
And that must be why there are more battered husbands shelters than battered wives shelters... oh wait...
Did you know most domestic violence in initiated by women? Did you know that by far lesbian relationships have more physical abuse than any other gender pairing? Abused men are just SOL - why do you need support or a shelter? Just man up! Perhaps not an argument for rationality, I'll grant you.
Or, just maybe, we could teach children of both sexes that it's a harsh fucking world out there, and if you don't learn the skills needed for a good job, your life will suck forever. No? Well, the social pendulum will swing back that way eventually, from the opposite extreme we're at now, and once that happens you won't need much to get everyone interested in fields that pay really well, and won't be displaced by automation.
There is no level of diversification or foresight that can protect the masses from major bubble collapses.
Sure there is. It's so easy, you probably can't see it. Just stay away from individual companies, even individual industries, invest broadly across the market as a whole and ignore collapses - just ride them out. If you invest in some SP500 or "all stocks" fund, or whatever, you've own the same micro-% of the American economy before, during, and after the crash, and through the recovery. The exchange rate between USD and "micro-% of all sticks" may fluctuate wildly for a while, but just don't sell in a panic and you'll be fine in a few years.
The closer you get to retirement, to more you'll need some share of your investments in quality bonds, so that if you need money to live on through a crash bottom you won't need to sell stock. (Government bonds are not quality bonds any more - after the US government punished ratings agencies who dared question the rating of US debt, you can never again trust any sovereign debt rating in the US - just steer clear of the category.) The old-school rule of thumb was "your age as a % in bonds", but that's from a time when interest rates were quite high. Less than half your age as a % in bonds is probably a mistake, however - you need something to be selling that's not stocks when everyone is screaming about the end of the financial world in every decade's crash.
Don't over-think the problem, don't act out of emotion, just accumulate wealth and have patience. In times when everyone seems emotional about the market, make damn sure you're not being emotional before you take any action. I've sailed through the dot-com crash, the 08 finance crash, and I'm fully expected the next one will be along soon enough, but you just keep accumulating "micro-% of all stocks" regardless and, sure enough, you become more wealthy over time.
We used to care about liberty more than safety. Freedom mattered once. The right to be stupid, to make bad choices, to do the wrong thing, was seen as fundamental - after all, we need no "right" to do what everyone else says we should, liberty only comes into play when others disapprove of your actions. This didn't used to need explaining. Now, we're basically fucked - we raised a generation that embraces total control of our lives by the government, that can't even see what the argument against it would be, as long as the government forces us to do the right thing, how could that be bad? History will repeat itself soon enough, and that question will sadly be answered.
That is the key to embracing totalitarianism: everything each of us do will always have some negative effect on another, thus the government must control everything each of us do for the common good. There's always an excuse you can find for that government control - always.
Companies shouldshould try to pay as little as possible. That's the system: it depends on human greed at every exchange. Any system that doesn't is purest foolishness.
BTW, if you expect the police to "find the guy you beat you up" today, lets me say from experience the police give 0 fucks about you as a victim. The problem many large cities face today is the propensity of the police themselves to beat people up for fun and profit. I doubt private policing could actually work, but lets not pretend the current system is some fucking utopia, OK?
Stop treating everyone as children. Adults are moral entities with agency, and can damn well decide on their own whether to wear a seatbelt or not.
I find it fascinating what we freak out about, versus what we tolerate.
Exactly: we seem t have a collective fetish for forcing others to make the same choices that we would, instead of respecting one another as people just like us, each with the right to find his own distinct path to happiness.
Shamefully, I actually read TFA. It has a lot of great background on the problem, and is a fine read for someone who hasn't ever looked into cosmology before, but it actually has less information than the Wikipedia article on using the 21cm "hydrogen line" to observe the "dark age" of the universe. Prettier pictures than Wikipedia, though.
I wonder what Bliz is smoking when it comes to WC and WC2 - I'd certainly pay $10 for a Windows copy, and it's not like they'd need to port it themselves, just license to GOG - free money!
You have to actually wade into the issue and form a discrete opinion of it.
By far the coolest part of all this is now a "crowd" will form an opinion about Clinton and Benghazi from reading her emails. Primary sources FTW. Not want any journalist wants them to think, not a quote picked carefully for a political ad, but by actually reading what was said at the time. That's more informed democracy already than I expected in this whole election cycle!
IIRC, he used planes and such to get a smooth finish. At one point he had a guest who he introduced as a hacker (an older guy with a beard). He made 4 legs for some table or chair project Roy was working on in about 30 seconds, 4 chops each with a hatchet, perfectly square, tapered appropriately, and of course blade smooth. Impressive as anything.
The old meaning is "computer criminal," the new meaning was invented when a bunch of kids decided that being a hacker sounded cool,
The old meaning of hacker is "one who makes furniture with a hatchet". It's a fantastically impressive skill. "Hacker" meant "computing enthusiast" for a couple decades before it meant "computer criminal", as the latter was often the former and the distinction blurred.
10 years ago this was a real problem. Now it just takes a few calls to clear everything up, and a few weeks for it to all get sorted out. Yeah, it sucks you have to waste hours on it, but the credit agencies have a procedure for identity theft reporting now.
If you're ever worried something might happen, just flag your account for fraud. Once you do that, opening any new accounts will require they call you to confirm (which should be the default IMO).
Of course, the real problem is that we're all far to much in the habit of borrowing money, but that's a different rant.
A mountain at 42,164bkm would have the peak in geosynchronous orbit
But not geostationary (unless the mountain were at the equator) so while you might not fall down, you'd be in a bit of an awkward orbit yourself, relative to that mountain. Quick, someone try it in Kerbal Space Program!
But if someone built a tower 384,000 km high, it would travel faster than the moon. And if you jumped off that tower, you'd also never reach the ground.
One of the problems with building a space elevator on Mars is that it would be higher then the (innermost) moon, which would come say "Hi!" every few hours, moving quite fast.
No different than an iceberg: when you stand on an iceberg your height above the seawater is much higher than the visible height of the iceberg above the sea.
If you were fired from your job because became a registered Republican, the Republican party would go to war for the right to represent you in court./quote
A great many people have been fired for being Republican, most famously the editor of Playgirl. Oddly, political party is not a protected class and you have no recourse in most states.
Slashdot Mirror
The best thing they can do is forgo significant earnings because they have to be more timid in the 10-15 years leading up to retirement. If they didn't have to fear massive bubble collapses, your average investor could likely earn an extra 30% on their retirement accounts.
OK, but that's been true for 400 years, and isn't actually a barrier to retirement. You've IMO correctly understood the rules of the game, and under those rules anyone can retire on his own wealth, needing only to invest enough of his after-tax pay every year. I've been living on half my after-tax pay for 15 years now, and in another 5 or so I'll have the option to retire (though continuing to work would certainly improve that standard of living). You don't need to be nearly so frugal as "half" if you have 30 years instead of 20.
Someone with mod points please mod this up - it's seemingly the only non-trolling post for this whole story. This is exactly the stuff we should be discussing here - agree or not with the conclusion, this is the rational topic at hand.
And that must be why there are more battered husbands shelters than battered wives shelters ... oh wait ...
Did you know most domestic violence in initiated by women? Did you know that by far lesbian relationships have more physical abuse than any other gender pairing? Abused men are just SOL - why do you need support or a shelter? Just man up! Perhaps not an argument for rationality, I'll grant you.
Or, just maybe, we could teach children of both sexes that it's a harsh fucking world out there, and if you don't learn the skills needed for a good job, your life will suck forever. No? Well, the social pendulum will swing back that way eventually, from the opposite extreme we're at now, and once that happens you won't need much to get everyone interested in fields that pay really well, and won't be displaced by automation.
There is no level of diversification or foresight that can protect the masses from major bubble collapses.
Sure there is. It's so easy, you probably can't see it. Just stay away from individual companies, even individual industries, invest broadly across the market as a whole and ignore collapses - just ride them out. If you invest in some SP500 or "all stocks" fund, or whatever, you've own the same micro-% of the American economy before, during, and after the crash, and through the recovery. The exchange rate between USD and "micro-% of all sticks" may fluctuate wildly for a while, but just don't sell in a panic and you'll be fine in a few years.
The closer you get to retirement, to more you'll need some share of your investments in quality bonds, so that if you need money to live on through a crash bottom you won't need to sell stock. (Government bonds are not quality bonds any more - after the US government punished ratings agencies who dared question the rating of US debt, you can never again trust any sovereign debt rating in the US - just steer clear of the category.) The old-school rule of thumb was "your age as a % in bonds", but that's from a time when interest rates were quite high. Less than half your age as a % in bonds is probably a mistake, however - you need something to be selling that's not stocks when everyone is screaming about the end of the financial world in every decade's crash.
Don't over-think the problem, don't act out of emotion, just accumulate wealth and have patience. In times when everyone seems emotional about the market, make damn sure you're not being emotional before you take any action. I've sailed through the dot-com crash, the 08 finance crash, and I'm fully expected the next one will be along soon enough, but you just keep accumulating "micro-% of all stocks" regardless and, sure enough, you become more wealthy over time.
We used to care about liberty more than safety. Freedom mattered once. The right to be stupid, to make bad choices, to do the wrong thing, was seen as fundamental - after all, we need no "right" to do what everyone else says we should, liberty only comes into play when others disapprove of your actions. This didn't used to need explaining. Now, we're basically fucked - we raised a generation that embraces total control of our lives by the government, that can't even see what the argument against it would be, as long as the government forces us to do the right thing, how could that be bad? History will repeat itself soon enough, and that question will sadly be answered.
That is the key to embracing totalitarianism: everything each of us do will always have some negative effect on another, thus the government must control everything each of us do for the common good. There's always an excuse you can find for that government control - always.
Being greedy at every exchange means you stab the other guy to get your money back
That's not what the word "greedy" means, outside maybe of a technical term for algorithms.
Fucking slashcode. Why the fuck do I even come back to /.?
Companies shouldshould try to pay as little as possible. That's the system: it depends on human greed at every exchange. Any system that doesn't is purest foolishness.
BTW, if you expect the police to "find the guy you beat you up" today, lets me say from experience the police give 0 fucks about you as a victim. The problem many large cities face today is the propensity of the police themselves to beat people up for fun and profit. I doubt private policing could actually work, but lets not pretend the current system is some fucking utopia, OK?
Stop treating everyone as children. Adults are moral entities with agency, and can damn well decide on their own whether to wear a seatbelt or not.
I find it fascinating what we freak out about, versus what we tolerate.
Exactly: we seem t have a collective fetish for forcing others to make the same choices that we would, instead of respecting one another as people just like us, each with the right to find his own distinct path to happiness.
Shamefully, I actually read TFA. It has a lot of great background on the problem, and is a fine read for someone who hasn't ever looked into cosmology before, but it actually has less information than the Wikipedia article on using the 21cm "hydrogen line" to observe the "dark age" of the universe. Prettier pictures than Wikipedia, though.
Can you actually find torrents for academic journals? That would be quite a public service by whoever's taking the time to scan them.
[[redacted for sanity]]
Five Nights at Freddy's - the hentai version?
I think the popularity of the those games has put a generation off of animatronic furries of any size, except as deliberately creepy tie-in products.
I wonder what Bliz is smoking when it comes to WC and WC2 - I'd certainly pay $10 for a Windows copy, and it's not like they'd need to port it themselves, just license to GOG - free money!
You have to actually wade into the issue and form a discrete opinion of it.
By far the coolest part of all this is now a "crowd" will form an opinion about Clinton and Benghazi from reading her emails. Primary sources FTW. Not want any journalist wants them to think, not a quote picked carefully for a political ad, but by actually reading what was said at the time. That's more informed democracy already than I expected in this whole election cycle!
IIRC, he used planes and such to get a smooth finish. At one point he had a guest who he introduced as a hacker (an older guy with a beard). He made 4 legs for some table or chair project Roy was working on in about 30 seconds, 4 chops each with a hatchet, perfectly square, tapered appropriately, and of course blade smooth. Impressive as anything.
The old meaning is "computer criminal," the new meaning was invented when a bunch of kids decided that being a hacker sounded cool,
The old meaning of hacker is "one who makes furniture with a hatchet". It's a fantastically impressive skill. "Hacker" meant "computing enthusiast" for a couple decades before it meant "computer criminal", as the latter was often the former and the distinction blurred.
Go to a library.
What century are you living in?
The results of publicly funded research must be made publicly available, in a manner appropriate for the current century.
Does it work in Pale Moon? (Pale Moon is FF without the Mozilla Crazy.)
Given UKIP got 12% of the popular vote, and the Conservatives 36%, there's hope for the UK yet!
10 years ago this was a real problem. Now it just takes a few calls to clear everything up, and a few weeks for it to all get sorted out. Yeah, it sucks you have to waste hours on it, but the credit agencies have a procedure for identity theft reporting now.
If you're ever worried something might happen, just flag your account for fraud. Once you do that, opening any new accounts will require they call you to confirm (which should be the default IMO).
Of course, the real problem is that we're all far to much in the habit of borrowing money, but that's a different rant.
A mountain at 42,164bkm would have the peak in geosynchronous orbit
But not geostationary (unless the mountain were at the equator) so while you might not fall down, you'd be in a bit of an awkward orbit yourself, relative to that mountain. Quick, someone try it in Kerbal Space Program!
But if someone built a tower 384,000 km high, it would travel faster than the moon. And if you jumped off that tower, you'd also never reach the ground.
One of the problems with building a space elevator on Mars is that it would be higher then the (innermost) moon, which would come say "Hi!" every few hours, moving quite fast.
No different than an iceberg: when you stand on an iceberg your height above the seawater is much higher than the visible height of the iceberg above the sea.
If you were fired from your job because became a registered Republican, the Republican party would go to war for the right to represent you in court./quote
A great many people have been fired for being Republican, most famously the editor of Playgirl. Oddly, political party is not a protected class and you have no recourse in most states.